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Retirement Facts & Public Policy
As a leader on retirement issues, Prudential actively participates in public policy discussions in Washington, D.C., and the 50 states. Its External Affairs Division has developed positions on legislative issues affecting the Four Pillars of U.S. Retirement, which we define as Social Security, employment-based retirement plans, personal savings, and retirement choices, such as working during retirement. We developed these pages for use by elected officials and legislative staff who are considering important retirement policy issues.
For more information about Prudential's public policy positions on retirement issues, contact us at Retirement.Facts@prudential.com.
Retirement Reports & Articles by Prudential
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New Releases
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Guaranteed Lifetime Income Solutions  Download PDF
The Pension Protection Act of 2006 significantly strengthened the savings aspect of retirement planning by supporting the use of certain automatic DC plan features. However, more needs to be done to help individuals generate a guaranteed retirement income from their DC plan accumulations. This article suggests ways that Congress can help.
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The Four Pillars of U.S. Retirement  Download PDF
Prudential has developed the Four Pillars as a framework to discuss how Americans will prepare for, and live in, retirement.
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Hispanic Americans On the Road to Retirement  Download PDF
A report on Hispanic Americans' attitudes and behaviors regarding retirement savings and expectations.
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Retirement Income: The Value of Guarantees  Download PDF
Compares two product approaches to creating retirement income within a 401(k) plan—guaranteed withdrawal benefit solutions offered by the new generation of annuities, and systematic withdrawal programs from target maturity date mutual funds. Supporting research and analysis by Ernst & Young.
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The Future of Retirement in the U.S.  Download PDF
A high-level overview of the changing landscape of retirement in the U.S.
Retirement Income
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Retirement Income: The Value of Guarantees  Download PDF
Compares two product approaches to creating retirement income within a 401(k) plan—guaranteed withdrawal benefit solutions offered by the new generation of annuities, and systematic withdrawal programs from target maturity date mutual funds. Supporting research and analysis by Ernst & Young.
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Retirement Security in the 21st Century:
Guaranteed Lifetime IncomeDownload PDF
A discussion of the growing need for guaranteed retirement income, as well as a promising solution.
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Defined Contribution Plans: 12 Practical Recommendations to Help Encourage Better OutcomesDownload PDF
Outlines best practices that Prudential considers to be essential building blocks for helping participants achieve retirement security.
Retirement Preparedness
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Behavioral Risk in the Retirement Red ZoneDownload PDF
Explores the link between emotions and financial decision-making.
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Debunking Retirement Planning Myths Download PDF
Provides an explanation of 12 common retirement planning myths.
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Learning the Two-Step: A New Approach to Asset Allocation for the Retiree  Download PDF
The limitations of current retirement planning approaches, fresh insights into income planning, and the role certain products might play.
Four Pillars of U.S. Retirement
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The Fourth Pillar: Retirement Choices  Download PDF
An overview of lifestyle and financial choices that are taking on greater significance given the changing nature of retirement in America.
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The Four Pillars of U.S. Retirement Overview  Download PDF
Public Policy
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The Four Pillars and Public Policy  Download PDF
Prudential has also developed positions on legislative issues impacting retirement security in America.
Employment-Based Plans
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Saving for Retirement at Work: Employee and Business Reactions to an Automatic IRA Concept  Download PDF
Gauges early reactions to an Automatic IRA concept and its features from employers and employees of small businesses that don't have workplace retirement plans.
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Corporate Defined Benefit Plans at a Crossroads  Download PDF
Discusses factors contributing to the increase in plan terminations and benefit freezes, as well as implications for investment management, corporate policy, and defined contribution and defined benefit plan design.
Prudential's Participation
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Smart Steps for Today's Retirement Challenges  Download PDF
A guide to help individuals along the path to retirement.
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Our Commitment to the U.S. Retirement Market  Download PDF
Facts-at-a-glance about Prudential's participation in the retirement marketplace.
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IFS-A143486 Ed. 11/2008
Retirement at a Glance
90 percent of Hispanic Americans surveyed acknowledge that retirement security is an important goal; 64 percent have savings earmarked for retirement.
- Hispanic Americans On the Road to Retirement, 2008
Whether they're Millennials, Gen-Xers, Boomers, or Matures, American women are actively considering their future retirement and their financial security.
- 2008-2009 Study on the Financial Experience & Behaviors Among Women
This research demonstrated the value of a guaranteed approach to creating retirement income.
- Retirement Income: The Value of Guarantees, 2008
Behavioral risk affects nearly all investors to some degree.
- Behavioral Risk in The Retirement Red Zone®, 2007
Retirees' lifestyle and financial choices will play an increasingly important role in their retirement well-being.
- The Fourth Pillar: Retirement Choices, 2007
During the distribution retirement phase, the critical inquiry is how long the assets will be able to fund the retirement needs of the individual
- Tax-Wise Retirement Distribution Planning, 2006
Almost 40 percent of retirees surveyed were forced to retire
- Roadblocks to Retirement, 2005
60 percent of Americans feel "behind schedule" on retirement savings
- Roadblocks to Retirement, 2005
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IFS-A125824 Ed. 11/2007

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